Retirement Planning

We offer a full range of retirement plan services from Traditional and Roth IRA's for individuals, to pension; profit sharing; 401(k); and ESOP plans for businesses.

We will work with legal and financial advisors to ensure that your company's plan meets all legal and regulatory requirements and are the best plan for your business. We will personalize an investment plan to help achieve your goals. All decisions are made locally by the same people that come to meet with you and your employees and the same people that you can call with your questions. As employees retire, we can and are happy to meet with them to determine what option is best for them. We can help them rollover their money into their own IRA if that is what they are looking to do.

Find the right choices for your retirement, including contributory Traditional and Roth IRAs, rollovers, Roth IRA conversions and more.

Traditional IRA's

A Traditional IRA is a way to save for retirement that gives you tax advantages. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances. Generally, amounts in your Traditional IRA, including earnings and gains, are not taxed until distributed.

Roth IRA's

A Roth IRA is similar to Traditional IRA except that you cannot deduct contributions to a Roth IRA, although, if you satisfy the requirements, qualified distributions are tax-free. You can make contributions to your Roth IRA after you reach age 70 ½ and you can leave amounts in your Roth IRA as long as you live. The account or annuity must be designated as a Roth IRA when it is set up.

The same combined contribution limit applies to all of your Roth and Traditional IRAs.